Currency Exchange and Currency transfers for your commecial trades and for private individuals who need to make a money transfer abroad for anything from a property deposit to making a regular monthly pension transfer.

The Foreign Currency Exchange market is the world’s largest financial market, in excess of 1.5 trillion US dollars are being exchanged daily.

The process of Foreign currency exchange transfers couldn’t be easier. Unlike most other currency exchange services - money transfer is a free service with our Foreign Exchange partner.

However, be aware that some companies make charges for transfering money abroad.

Here is a simple 3 step guide:

Step 1. Open an account

Complete an application form and ensure you have usually two forms of ID: (1) photographic (2) proof of residence.

Step 2. Buy your currency

Speak to a currency dealer and they will give you the current market rate. If you are happy with the quotation they will buy the currency on your behalf. This trade is usually confirmed in writing by way of a deal receipt and usually provides instructions on how, when, and where to make payment for your currency.

Step 3. Get your currency

Once cleared funds are received by your dealer, they will promptly transfer your exchanged currency to any bank account of your choice, worldwide, the same day.

Other than just choosing any particular day to exchange your money, you could choose other dates to make the currency exchange. It may be that you have decided to buy a new property that won’t need the final balance to be paid until 18 month’s time. In this case, it may suit you to do a ’spot deal’ today for the deposit and arrange for a ‘forward deal’ for the final balance. By doing this, you will have just ‘fixed’ the purchase price to your home currency and will have ensured that you don’t get caught out by a weakening home currency, or a strengthening one in the country of your purchase. This can save people thousands.

Here are 4 basic types of transaction:

• Spot Contract
A spot contract is undertaken when you buy currency at the prevailing exchange rate at the time of the transaction and make payment within two working days. This transaction is typically used for deposit payments on property or for full payment if the funds to pay for the transaction are available.

• Forward Currency Contracts
A forward contract is undertaken when you fix the exchange rate now for a specific date from one to 24 months in the future. As an example, your final payment for a home abroad may be the equivalent of £100,000. You could fix that exchange rate today with a small deposit, and pay for the bulk of that transaction at the completion of the forward contract. To guarantee the exchange rate, private clients will have to pay for at least 10% of the value straight away (a margin deposit) and the balance on or before the maturity of the contract.

• Time-Option Forward Contracts
You may also reserve a time-option forward contract. This contract allows greater flexibility in paying. For example, a property developer may give you a date of December 2008 as an approximate completion date but may tell you it could take a bit longer. Your dealer may recommend that you set a date for your forward contract of February 2009 and you are free to settle that contract anytime before the maturity date with no penalty.

• Limit Order
Limit Orders allow a client to set the rate at that which they would like to exchange their currency. Our foreign Exchange partner will monitor the market for you and if the rate can be achieved, we will purchase the currency on your behalf. We would then notify you of the due date for your payment. This is particularly important for contracts of substantial value where a small currency fluctuation may have huge implications.
Getting Started

If you would like further information please call our Private Client Desk on 01480 458400. You may also register online with us. We will contact you to activate your account. In order to complete the registration process, we require two forms of identification. Please also provide us with a copy of your passport or driving licence and a utility bill, council tax bill or landline telephone bill with your address.

The value of your foreign currency can be fixed for a given period ahead. If you don’t wish to transfer your money now, you can book the rate of exchange now, for a date ahead.

To discuss how best to make a currency exchange into euros at the best rate, talk to a foreign currency exchange specialist. visit fx-foreignexchange,

Finding a good builder can be a hard and time consuming task. You want a builder who can start when you need them to and who doesn’t take to long to build. You need a builder who will build in your price range, will build you the house you want.

Home Builders Australia helps people in Australia find a builder in their local area, for example there is a good selection of Brisbane Builders and Perth Builders with building types, reviews, types of house construction eg sloping block specialist and display home locations etc.

Some builders will build your house plans, this allows you to design a house to your budget and taste and also your block and you need to know which builders will do this for you. Home builders Australia is a great resource for people looking to build with display home locations, land estates, and builders.

Mallorca Property market - 2008 PredictionsThe Mallorca real estate market seems to have weathered the global ‘cash crisis’ well so far. Mainland Spain has seen a steady decline in buyers from the heady heights of early 200. Of course, there are exceptions, as Polaris World in the Murcia region continues to sell well.

Unlike parts of mainland Spain, Mallorca has not suffered from an over-supply of speculative builds. As a consequence, demand, especially for quality apartments, is in balance with or exceeding supply. Coupled with the lack of good plots and restrictions on licences, prices for quality property in sought after locations are still likely to rise 7-10%, depending on area.

Quarterly statistics released by the Spanish Ministry of Housing bear out this trend. Furthermore, although housing starts throughout Spain had fallen generally by 33-37% in the 2nd quarter of 2007 (and by as much as 64% in Andalusia), planning approvals in the Balearics actually rose by 21% in the same period.

Beach front and Golf Front line property will remain an excellent investment, even more so if there is direct sea access, as coastal authorities are tightening up. They are not introducing new laws, simply implementing existing ones. Quality builds and properties in prime locations will continue to be in demand. Simply put, any property for sale in Mallorca with a prime view will always sell, and there will always be someone prepared to pay for the best.

The Ministry of Transport has allocated about half its annual budget to extend the rail network link from Palma via Inca and Manacor to Arta. Unlike Pollensa or Cala D’Or, which are popular with UK tour operators and villa rental companies, the north east of the island around Arta is not well known amongst UK buyers. Prices are still 10-15% cheaper than elsewhere, but not for long.

Lower priced properties will continue to find buyers, provided they remain at the lower level. Mallorca is an ‘aspirational’ buy and the lower priced properties will always be in demand. The middle priced Mallorcan property owners will need to be more patient than usual this year, and the higher priced luxury Mallorcan Villas will always find buyers.

Property in Mallorca is not cheap - the type of investors attracted to the island is driven mainly by lifestyle changes rather than for short term profit. Together with all the benefits of buying in Spain in general - short flight times from European destinations, an outdoor lifestyle, a safe child and family friendly culture - Mallorca offers that bit more. Mallorca seems to offer so much more than it’s immediate competitors.

View properties for sale in Mallorca

Limited spaces are available. To reserve your place or talk to one of our booking agents please use one of the following

From Ireland call Dublin (1) 443 3629

Call direct to the Spanish office 0034 950473192

Send us an email

A full colour brochure and e-brochure are available.

Other departure airports are avaiable but spaces are limited and early reservation is essential. An itinerary and more details of the hotel flights package plus the latest properties released for sale can be sent to you email by return.

Polaris World property is a company that promotes, develops and builds a comprehensive concept: resorts with golf courses. The firm manages services of the entire resort, not just the housing-related, which makes the homes and their setting a great investment.Currently, two resorts are fully operational with four more underway, making Polaris World property a leader in Residential Tourism. These Polaris resorts are an invitation to discover a world full of conveniences for the client: daily press, supermarkets, catering, car hire, travel, mini club, gardening, cleaning service, decorating, telecommunications, and more. Endless possibilities in an ideal setting to practice your sporting activities.

Polaris World properties provide an atmosphere for rest, relaxation and entertainment. Would you like to start living with the leader?

Guarantees when you live in a Polaris World property:

Investment
Your money is fully guaranteed from start to finish. Polaris World provide you a warranty from a first class banking organisation, to guarantee that the deposits you put down for the purchase of your home are secure.
Future
All the Polaris World properties have an insurance policy contracted to guarantee for a period of 10 years, against any structural defect in your home. This policy is placed with a major insurance company at no extra cost to you.
Guarantee of information and legal support
A team of internal and external professionals check the sales network, to guarantee that the advice and evaluation in the process of buying your home is always the best for you. Polaris World possess the ISO 900: 2000 quality certificate that guarantees excellence in all property sales procedures.
Guarantee of quality during the purchase process
A team of internal and external professionals oversees the commercial structure, to ensure the most appropriate purchase advice is given. Polaris World properties are ISO 9001:2000 certified, which guarantees the excellence of all Polaris World property sales procedures.
Construction
Polaris World Desarollo, the construction company, is in charge of executing and managing the building of your home, to the highest quality standards and with the most rigorous checks and methods, to ensure your home is built and delivered on time. What´s more, a team of external auditors supervise the quality processes.
Guarantee of design
From design to completion, every detail of every element of our resorts has been painstakingly taken care of. Each house, each street, each garden.

Gatehouse International offer new properties for sale at Polaris World. Call us on 01480 434290 for a FREE BROCHURE, or email us here.

FREE POLARIS WORLD INSPECTION TRIPS:

- Free Breakfast, Lunch and Dinner

- Free local airport Transfers and transport throughout your visit

- Free Financial and Legal Advice, including if required:

setting up a Spanish bank account
Spanish mortgage advice
a consultation with a Spanish lawyer
applying for an NIE number (needed for buying a property in Spain)

- Tour of the region and places relevant to your interests.

- Throughout the trip a Polaris World property advisor will be on-hand, who has access to the widest range of properties to offer you. The trips are personal and tailormade, so you will only see properties you are interested in. We guarantee a one to one inspection trip and will not group you together with other clients.

Getting to know Polaris World and the area :

We recommend that you come out for two days, however we understand that people have different constraints and we can work around your schedule: we run trips both at the weekend and during the week.

We believe in letting you decide what you want, and we aim to pass on our local knowledge to help you decide what is best.

Flying to the Costa Calida:

The best airport to fly into is Murcia (San Javier), however Alicante is not too far away. For flights into Murcia, please contact us. You can stay in a hotel that is central to all the properties, so once you are here you can make the most of the trip (and hopefully enjoy the sunshine too!).

For Further Information or to Arrange an Inspection Trip to Polaris World property, email us or call us on 0044 (0)1480 434290.

If you would like to receive a free brochure first, just let us know.

Gatehouse International have launched a new look this week.

We now have a site that’s easier to search for your favourite categories. Our research has indicated that our web site visitors would prefer to click on a link that will take them to a selection of properties for sale, rather than fill in a search form. We haven’t done away with our’ property search’ facility. We have made it easier to find what most people are search for though.

We have organised our site to allow you to click a link to take you to the Country of your choice such as properties for sale in Mallorca, Almeria, the Algarve or even Southern Cyprus. Once there, you’ll see a small selection of properties that are typical of the 1000’s we have for sale in each Country or region.

There’s links that are worded to match some of the favourite searches that have been made on our web site recently, such as ‘apartments for sale in Mallorca’ New developments for sale in Portugal’, ‘Polaris World property’, ‘Villas for sale in Spain’, ‘Granada Property’, ‘Golf Villas in Cyprus’ and ‘Vale do Lobo Property’.

Each link will take you to an appropriate selection of carefully chosen overseas property for sale.

Currency Exchange and Currency transfers for your Property Purchase Abroad.

The Foreign Exchange market is the world’s largest financial market, in excess of 1.5 trillion US dollars are being exchanged daily.

The process of Foreign exchange transfers couldn’t be easier. and as most services - money transfer is a free service with our Foreign Exchange partner. However, be aware that some companies make charges for transfering money abroad.

Here is a simple 3 step guide:

Step 1. Open an account

Complete an application form and ensure you have usually two forms of ID: (1) photographic (2) proof of residence.

Step 2. Buy your currency

Speak to a currency dealer and they will give you the current market rate. If you are happy with the quotation they will buy the currency on your behalf. This trade is usually confirmed in writing by way of a deal receipt and usually provides instructions on how, when, and where to make payment for your currency.

Step 3. Get your currency

Once cleared funds are received by your dealer, they will promptly transfer your exchanged currency to any bank account of your choice, worldwide, the same day. 

Other than just choosing any particular day to exchange your money, you could choose other dates to make the currency exchange. It may be that you have decided to buy a new property that won’t need the final balance to be paid until 18 month’s time. In this case, it may suit you to do a ’spot deal’ today for the deposit and arrange for a ‘forward deal’ for the final balance. By doing this, you will have just ‘fixed’ the purchase price to your home currency and will have ensured that you don’t get caught out by a weakening home currency, or a strengthening one in the country of your purchase. This can save people thousands.

Here are 4 basic types of transaction:

• Spot Contract
A spot contract is undertaken when you buy currency at the prevailing exchange rate at the time of the transaction and make payment within two working days. This transaction is typically used for deposit payments on property or for full payment if the funds to pay for the transaction are available.

• Forward Currency Contracts
A forward contract is undertaken when you fix the exchange rate now for a specific date from one to 24 months in the future. As an example, your final payment for a home abroad may be the equivalent of £100,000. You could fix that exchange rate today with a small deposit, and pay for the bulk of that transaction at the completion of the forward contract. To guarantee the exchange rate, private clients will have to pay for at least 10% of the value straight away (a margin deposit) and the balance on or before the maturity of the contract.

• Time-Option Forward Contracts
You may also reserve a time-option forward contract. This contract allows greater flexibility in paying. For example, a property developer may give you a date of December 2008 as an approximate completion date but may tell you it could take a bit longer. Your dealer may recommend that you set a date for your forward contract of February 2009 and you are free to settle that contract anytime before the maturity date with no penalty.

• Limit Order
Limit Orders allow a client to set the rate at that which they would like to exchange their currency. Our foreign Exchange partner will monitor the market for you and if the rate can be achieved, we will purchase the currency on your behalf. We would then notify you of the due date for your payment. This is particularly important for contracts of substantial value where a small currency fluctuation may have huge implications.
Getting Started

If you would like further information please call our Private Client Desk on 01480 458400. You may also register online with us. We will contact you to activate your account. In order to complete the registration process, we require two forms of identification. Please also provide us with a copy of your passport or driving licence and a utility bill, council tax bill or landline telephone bill with your address.

Gatehouse International are very happy to recommend Key Mare as we have been promoting their top quality homes for a number of years now, and their build quality has always been excellent.

We always insist that all developments that we promote, have to undergo a series of legal requirements before we will market them to our buyers. Key Mare have passed this formal ´due diligence´ with flying colours. They have all of the relevant planning consents and they offer a high standard of after sales service together with legally binding guarantees (both building and bank guarantees).

Key Mare, are a property development company that has been operating on the Mediterranean coast since 1988 and are growing daily. They are all about solidity, confidence and quality.

Their houses are outstanding for the variety of building designs that they offer and have taken great care to consider the environment. Key Mare have developments in Murcia, Alicante, Almería and the Canary Islands.

In short, they offer homeowners every possible comfort, guarantee, security and quality in a home, so that their well-being is assured.

What makes Key Mare different?
- Ten years’ guarantee on a building, according to the Building Law 38/39, insured with the company Mapfre.
- Insurance for checking the homes before handing over the keys and against building defects for the first year with Multimap, Mapfre insurance group.
- Insurance against payments during the building work to guarantee the amounts paid until building ends.
- Help to obtain the most personalised financing possible when buying a home.
- Guide book to the building, explaining all the details for using the common areas and those of the house itself, emergency exits, etc.
- Client attention service.

As Key Mare agents, we are able to offer some unusual deals such as the Rent Before You Buy offer. It makes sense really, why not actually live in the home of your choice, pay rent, and see if you like it before you buy.

Call (UK) 01480 434290

Sun Sun Sun !!

Almeria weather forecast is perfect, why else would film makers like Sergio Leone choose to film his Westerns here, indeed this was are was a major set for the David Lean’s 1960 Classic “Lawrence of Arabia”. Almeria province is slowly waking up to tourism and has allot to offer both holiday makers and those looking for a home in the sun. Almeria Province is the hottest in Andalusia with over 3,100 hours of sunshine per year.

One of the main attractions of Almeria is the Desert and lunar like landscapes which have a raw beauty. With the Almeria weather as it is, Golf also attracts many visitors, the Desert Springs Golf Course has been selected as the Spanish home for the English Golf Union. It is 6761 yards in total, with a par of 72, it is designed to test the world’s best players. The resorts and beaches of Almerimar, Roquetas de Mar, San Jose, Carboneras, Mojacar, Garrucha and Vera are included in the Almeria Weather forecast.

Almeria weather forecast is very mild and temperate with little rain falling mainly in Autumn and Spring. The water temperature is usually higher that that of the air and the water itself is very clear. Attractions of the area are the salt lakes, the desert especially the mini Hollywood or Yucca City, just outside Tabernas. Almeria Province has the longest coast line of all of Andalucia with empty beaches and lots of little coves with perfectly clear water.